Since our founding in 1948, Hefren-Tillotson has been driven by the belief that no two financial plans are alike. No two futures are the same. And we’ll set you on the path that’s right for you. 
So what can you expect when you work with us?

Initial and Ongoing Advice

…on investment assets, which typically account for a significant portion of your net worth and are a key source of retirement income.

Comprehensive Financial Planning

…through Hefren-Tillotson’s MASTERPLAN® approach, which provides a multi-faceted investment management program in harmony with your financial goals.

Consistent Communication

…on market trends, your portfolio and personal financial planning strategies. You’ll stay up to date with regular meetings with your financial advisor, ongoing market reports, performance reporting, e-mail, and conference calls.

Impact Portfolios

Make a Difference with your Investment Portfolio

Hefren-Tillotson’s Impact Portfolios incorporate responsible investment strategies to create positive change in the world, while simultaneously helping clients achieve personal financial goals. Portfolios emphasize investments in companies with thoughtful and improving corporate behavior, while avoiding and de-emphasizing companies with questionable practices. Additionally, many portfolio funds actively campaign for improved company conduct, working on behalf of investors to influence company behavior, act as a resource for company management, and drive advances.

Retirement Planning

What does retirement look like to you?

Spending more time with your grandkids. Retreating to your mountain house. Downsizing to an urban condo. Traveling the world. Everyone’s vision of retirement is different.

Retirement planning is an evolving process, tempered by some ups and downs, spanning many years.

Using our proprietary MASTERPLAN® process, we thoroughly define and document – in writing – the path between here and there that’s right for you and only you.

This retirement plan then guides the work of every Hefren-Tillotson advisor involved in planning and managing your wealth.

Trusted advisors with a wealth of retirement planning resources

We integrate and orchestrate IRAs, 401(k) and 403(b) plans, pension plans, Social Security, real estate and personal investments. Pulling together all the components of a conservative, time tested and well designed retirement strategy is where we shine.

Using our team approach, we combine our in-house expertise in investment management, tax management and insurance planning to create aligned retirement planning strategies that put your goals well within reach.

For decades, countless clients have trusted Hefren-Tillotson as they transitioned to retirement. Our longevity in the region is a testament to our ability to set a course, smooth the transitions and see you through.

Investment Management

Achieve your goals with proven strategies and experience.

Utilizing successful strategies formulated through decades of experience, our team provides personalized investment management suited to your unique financial situation and goals.

We employ a disciplined, long-term approach that emphasizes prudent diversification, objective selection individual investments or investment managers, and a sensitivity to both risk and costs.

Our Investment Advisory Team will work with you to develop a custom portfolio, formulate income and withdrawal strategies, and optimize tax management.

Key to the Hefren-Tillotson approach is the drive to deliver exceptional client service. Your investment program is guided by a personal Hefren-Tillotson Financial Advisor, committed to regular reviews, on-call access, and regular reviews of goals and objectives.

For more market information, click here for articles, updates and tips featured on our blog, In the Details.

Insurance is a critical component for financial security

Adequate insurance planning is an important – yet often overlooked – component of a financial plan. Through our MASTERPLAN® approach, your personal team of Hefren-Tillotson financial advisors will collaborate with our in-house insurance advisors to integrate insurance planning into the overall development of your wealth management plan.

After a detailed analysis of your financial situation, we’ll determine whether your current coverage is adequate for your lifestyle, needs and future plans, and make recommendations to seamlessly include your policies. Only then can you provide the best financial support for surviving family members.

We also offer disability insurance that surpasses traditional employer-offered plans.

For more information, click here for insurance articles and tips featured on our blog, In the Details.

Business transition planning with a personal touch

If you own an independently operated or closely-held business, your business may very likely be the largest asset in your wealth portfolio. With decades of experience working with business owners, we can work with you, one-on-one, to implement the financial management strategies you need to protect your company’s standing and maximize its worth.

We can guide you through the business succession strategies that will protect the next generation of your business through “keyman” protection, buy-sell agreements and disability buyouts—assuring you the smoothest possible management transition.

Small Business Retirement Plans

To attract and retain the best employees and comply with increasingly complex regulations, we can help you select and implement:

  • Pensions
  • Profit-sharing
  • 401(k) plans
  • Deferred compensation
  • Supplemental retirement plans and more

Strategies for charitable giving

Charitable giving is an important core value for many investors. The right approach can help you maximize your ability to contribute generously.

Hefren-Tillotson has the expertise to help you implement charitable giving strategies in your wealth management plan. By applying the MASTERPLAN® approach to your investment management plan, we can address your ambitions for philanthropic giving either before or after retirement.

Our in-house expertise will help ensure that your contributions are executed in a manner that benefits both your favorite causes and your portfolio.

Financial planning for long-term care

Now more than ever, the challenge of planning for long-term care, either for your aging parents or for yourself, is very real. For many investors, it’s a priority.

At Hefren-Tillotson, we can help you adequately plan for these long-term care and nursing home costs with long-term care insurance from some of the oldest, most respected companies in the industry.

Yes, it is possible to achieve meaningful savings for long-term care without draining your savings and retirement accounts—and we will gladly show you how.

Education funding and beyond

If you’re like many investors, you’ll send your children off to college long before you retire. Wondering how to afford rising tuition costs has become a rite of passage for today’s parents.

We can’t bring down the cost of college, but we can offer you a solid college savings plan. It all begins with making intelligent choices about the investment vehicles that can help ease the costs as your child approaches and enters college.

Leveraging our MASTERPLAN® approach and using tools like the Coverdell Education Savings Account and 529 Plan, we can build an education funding strategy that achieves your goals, maximizes tax relief and works seamlessly with other aspects of your financial plan to help you achieve a higher level of confidence in your higher education plan.

If you are facing divorce, we know this is quite likely one of the most stressful times of your life.

Individual assets, accumulated assets, gifts and inheritance . . . all of a sudden there’s a tangle of financial assets that must be divided. There are also tax issues, evaluating pension plans or business interests and decisions about your jointly-owned home. Alimony and child support may also now enter the picture.

A Certified Divorce Analyst (CDFA) can help.

At Hefren-Tillotson, our Certified Divorce Financial Analyst (CDFA), will assist you and your lawyer with understanding how the financial decisions you make today will impact your financial future. Our CDFA is certified through the Institute for Divorce Financial Analysts, which is the premier national organization dedicated to financial professionals in the divorce arena.

It is important to point out that a CDFA does not replace your attorney, instead works as part of the divorce team to ensure you make the right financial decisions today to achieve your financial goals post-divorce.

What does a Certified Divorce Financial Analyst Do?

  • Determine the short and long-term effects of dividing property
  • Identify tax issues
  • Analyze pension and retirement plan issues
  • Help divide a business interest
  • Determine if you can afford the marital home or must seek a more affordable alternative
  • Evaluate insurance needs (health, life, disability)
  • Project estimated inflation rates and rates of return
  • Collect financial and expense data
  • Help you identify future financial goals, such as developing a budget, setting retirement objectives, and identifying proper asset allocation
  • Provide your lawyer with the financial impact of a settlement to be used as litigation support

If you’re a current client, contact your Hefren-Tillotson advisor, and he or she will engage our CDFA to make sure your financial concerns are safeguarded.

If you are not a current Hefren-Tillotson client, feel free to contact us to schedule a meeting with our CDFA.

Protecting your legacy wealth with estate planning

Like many investors, providing your heirs with the legacy of your wealth is probably a top priority. We can help you develop estate plans that support your vision and beliefs about wealth distribution.

Our in-house financial experts will craft a MASTERPLAN® specifically for you, by first listening carefully to how you view your wealth and what kind of legacy you want to leave for future generations.

We then organize your assets, minimize estate taxes for you or your heirs and streamline the estate distribution process. We’ll ensure that your estate plan keeps pace with changing law. And we’ll clearly communicate any recommendations for plan modifications in a timely manner.

It’s important to us that you have peace of mind, knowing that your plan is always up to date and aligned with your wishes and your values.

Strategic management of inheritance investments

While coming into an inheritance is often portrayed as a dream come true, the facts are often quite different. For many investors, the sudden arrival of a sizable lump-sum of funds can be overwhelming. It also may transport the recipient into new worlds of inheritance tax and legal responsibility.

We provide trusted, expert inheritance planning and guidance that will help you protect your inheritance, and put it to work for you.

The MASTERPLAN® process will help you determine how your inheritance can best launch your financial planning efforts or how it can be integrated into existing savings plans.

Either way, our team of advisors – including financial and legal experts – can implement the strategies you need to make the most of your inheritance. After all, it’s your money now. Let us help you do something great with it.

Oil and gas revenue planning brings future security

Gas drilling leases are bringing unexpected revenue to many local property owners, along with the responsibility to manage their newfound assets wisely.

If you’re considering signing a lease–or even if you’ve already signed–it’s critical to get guidance from legal advisors versed in oil and gas contracts and advice from financial managers who can help you map your future. That’s where Hefren-Tillotson comes in.

Before you sign…be sure to consult an attorney or other leasing professional to include your land in a drilling unit. An advocate who represents your interests can ensure that a lease contains terms that are most favorable to you.

Click here for some important considerations: Before You Sign a Gas Lease

After you sign…and you get your signing bonus and begin receiving royalty checks, it is important to protect your wealth and maximize its impact on your life.

Hefren-Tillotson offers an unparalleled team of trusted wealth management experts who can help you limit your tax implications, plan your child’s future and envision a comfortable retirement through the prudent investment of your royalties.

Click here for some important considerations: After You Sign a Gas Lease

To learn more about our strategies for managing your oil or gas lease, contact us for a no-obligation consultation today.

Take the first step for your financial future.

Meet with a Hefren-Tillotson advisor to design an investment plan that fits your needs and achieves your goals.

What can we help you find?